Aflac Inc (AFL)

Aflac Incorporated is a New York Stock Exchange-listed common stock issue of a financial services company focused on supplemental health and life insurance. Through its subsidiaries, the company operates in two reporting segments: Aflac Japan and Aflac U.S. In Japan, it markets products such as cancer, medical, nursing care, whole life, and selected endowment and savings-style insurance offerings. In the United States, its product set includes accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life coverage. Aflac also provides related insurance and workplace benefit products, including hearing, final expense, pet, Medicare supplement, short-term disability, absence management, and cafeteria plans. The company distributes its products through a mix of agencies, banks, associates, agents, and brokers. Founded in 1955 and headquartered in Columbus, Georgia, Aflac serves individuals, families, and business owners.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-AFL
$112.83
-3.3% Downside
Fair
$118.53
1.6% Upside
Fair
Good
2.1%
November 4, 2026
12.0x
1.9x
3.2x
58.562 B
68.618 B
21.6%
99.1%
1.5
24.6%
54.4%
Valuation • Fair Value

Aflac Inc (NYSE-AFL) Fair Value by Valuation Model

Review the available estimates for Aflac Inc (NYSE-AFL), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$112.83

Estimated downside of 3.3% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$107.61

Classic Ben Graham valuation formula reference.

DDM Fair Value

$145.15

Dividend discount model valuation reference.

Comps Fair Value

$102.05

Comparable-company valuation reference.

Analyst Price Target

$118.53

Analysts imply upside of 1.6%.

How to read these valuation models

Use the 6 available valuation references for Aflac Inc (NYSE-AFL) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Aflac Inc (NYSE-AFL)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

18.069 B

Current operating scale indicator.

Revenue Forecast

16.881 B

Forward revenue estimate.

EBITDA

6.065 B

Current operating profitability reference.

EBITDA Forecast

5.079 B

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Aflac Inc (NYSE-AFL) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Aflac Inc (NYSE-AFL)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Altman Z-Score

1.5

Lower score that deserves closer risk review.

FCF / Net Income

54.4%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Aflac Inc (NYSE-AFL). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Aflac Inc (NYSE-AFL)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

November 4, 2026

Days to Earnings

48

Dividend Yield

2.1%

Current income yield reference.

Payout Ratio

24.6%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Aflac Inc (NYSE-AFL), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Aflac Inc (NYSE-AFL) Stock Forecast & Technical Outlook

Review Aflac Inc (NYSE-AFL) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Aflac Inc (NYSE-AFL) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Aflac Inc (NYSE-AFL) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for Aflac Inc (NYSE-AFL) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Sell

The weekly technical read for Aflac Inc (NYSE-AFL) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Aflac Inc (NYSE-AFL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Aflac Inc (NYSE-AFL)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Aflac Inc (NYSE-AFL) has a Hold consensus, with 1 buy, 8 hold and 3 sell recommendations in the current data set.

Buy 1
Hold 8
Sell 3
FAQ Fast Investor Answers

Aflac Inc (NYSE-AFL) Stock FAQ

Data-supported answers about Aflac Inc (NYSE-AFL), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$112.83
Estimated downside 3.3%
Valuation Rating
Overvalued
Estimated downside of 3.3%
Analyst Target
$118.53
Implied upside 1.6%
Financial Health
Good
Current financial-health read

The current fair value estimate for Aflac Inc (NYSE-AFL) is $112.83. This implies an estimated downside of 3.3% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 3.3% versus the current market price.

The available analyst price target for Aflac Inc (NYSE-AFL) is $118.53. The analyst target implies estimated upside of 1.6%.

The current financial health read for Aflac Inc (NYSE-AFL) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Aflac Inc (NYSE-AFL) is November 4, 2026.

Based on the current data, dividend yield is 2.1%.

The current P/E ratio listed for Aflac Inc (NYSE-AFL) is 12.0x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Aflac Inc is 58.562 B.

The current enterprise value listed for Aflac Inc is 68.618 B. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for Aflac Inc is NYSE-AFL, and the stock is listed on NYSE.

Aflac Inc (NYSE-AFL) is listed on NYSE.

The current debt-to-total-capital ratio listed for Aflac Inc is 21.6%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Aflac Inc is 99.1%. Free float helps investors understand how much of the share base is available for public trading.